Well, that's pretty much how my roadie is adjusted, but it certainly isn't how I ride my commuter! If I try to get her riding in that situation, she just won't do it. At 25 years old, if she can't even got on the thing on the grass outside her house without falling over, she will simply walk away from it. If I get her a size smaller, then later, maybe, I can push it up a bit. It's all about the practicality of getting her actually riding.